If you want to take a more hands-on approach to investing in peer-to-peer lending — and want the opportunity to earn higher returns — a Self Select Account could be just right for you. Average returns are over 8%*, and can be more for some loans.

At a Glance:

Open an account with as little as £20

Transparent fees – 1% of the amount invested

Monthly repayments of interest and capital

Range of credit-assessed investment opportunities

*If you invest through LendingCrowd you should understand that as a lender, your capital may be at risk. LendingCrowd and its products are not covered by the Financial Services Compensation Scheme. The current estimated return is an estimate of the annual (October 2015 to October 2016) return after fees and estimated bad debts.

How it works

With a Self Select Account you choose how to invest your money on the Loan Market. There are two types of loan you can invest in:

  • New loans — bid in an online auction where you decide how much you would like to lend to each borrower, and at what interest rate. You can invest from as little as £20 and bid at rates starting from 5.95%**.

 

  • Existing loans — you can buy loans from other investors on our Loan Market. There is no bidding involved and you can invest instantly. 

 

  • Loan sales — you can choose to the list your loans for sale on our Loan Market. All sales are subject to a fee of 0.5%.

 

Accessing your money

Your investment with LendingCrowd is fully flexible.

You can cash in all or part of your account balance at any time by ‘selling’ your loan investments. There is a 0.5% fee for selling your loan parts. The time taken to access your funds depends on the availability of other investors wanting to buy these loan parts.

It's easy to get started

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Open an account

It’s fast and simple to do online


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Add funds to your account

You can open an account with £20 and add to it at any time


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Choose your investments

Invest in new or existing loans on the Loan Market


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Watch your investment grow

Keep up to date with your account activity on your Account page


Open an account

For peer-to-peer investing that puts you in control and lets you manage your own portfolio, open a Self Select Account today.

Open now

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As an Investor it’s important to remember you’re lending to businesses so your capital is at risk. Borrowers need to be mindful that defaulting might lead to the debt being passed to an Agency for collection. LendingCrowd and its products are not covered by the Financial Services Compensation Scheme.

*The current estimated return is an estimate of the annual (October 2015 to October 2016) return after fees and estimated bad debts that investors could earn. It is calculated by taking the gross interest rate less fees and estimated bad debts that will occur in the future. The average return is compounded and before tax.

**Investors can earn between 5.95% and 12.25% or more based upon LendingCrowd’s Credit Bands. Interest rates are guided by the credit grading allocated to each loan in which you choose to invest. Higher risk investments may yield greater returns but can also lead to lower returns if the business is not able to fully repay its debts. This is known as Bad Debt. To know more about Credit Bands and how this is related to investment returns, visit the How it works page.

If you invest through LendingCrowd you should understand that as a lender, your capital may be at risk.

LendingCrowd is the trading name of Edinburgh Alternative Finance Limited, Company Number SC468392, authorised and regulated by the Financial Conduct Authority (Firm reference number 670991). LendingCrowd and its products are not covered by the Financial Services Compensation Scheme.

Read more about the risk involved when investing and borrowing.
LendingCrowd is a credit broker and not a lender.

The company's registered office is 23 Manor Place, Edinburgh, EH3 7DX.

Copyright © LendingCrowd 2017. All rights reserved.

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